"Mastercard chargeback doesn't cover incorrect fees"

epm-84

p00hsticks said:

mta999 said:

One could argue the amount dispensed is wrong because of the additional 23% fees

Only if the OP got less than the amount of cash he asked for as the fees were deducted from it.

It's more likely that he asked for X amount of local currency, the ATM dispensed X amount of local currency, but the amount deducted from the bank account was X (converted to sterling) + 23%

The ATM receipt shows the amount I requested and an amount in the local currency that's they're added as a fee. The total amount has come out of my account at the Mastercard exchange rate.

The amount in notes I got did correspond with the amount I selected, and according to Chase that makes it ineligible for a Mastercard dispute.

epm-84

Ayr_Rage said:

epm-84 said:

Ayr_Rage said:

Post all the transaction details along with the name of the ATM provider and you might get more information from others who've used the same.

The question was are Chase correct that Mastercard chargebacks can't do anything about incorrect fees?

Look at the Mastercard Ts and Cs

Then if that is the case does it only cover ATM transactions, or would it extend to an unadvertised booking fee being applied to a ticket purchase?

It shouldn't matter what the additional fees are, I was charged them without being informed of them. The fee on the screen said 11%, so that's what it should have been.

It may have been 11% subject to a minimum charge which on a small transaction means a much larger percentage.

If you aren't prepared to tell the whole story then you'll just get speculative comments.

Mastercard are a huge provider. Surely there must be people who have disputed an ATM charge before, so I'm interested to know what responses they have got. If you can't/won't help you don't need to write replies asking for stories. I'm not looking to get a story in the Daily Mail.

epm-84

born_again said:

Many ATM providers O/S have their own fee's. Just like some in the UK have a separate fee for taking cash.

No dispute rites as it was clearly displayed at the time.

So are you saying that if someone requested, say $10 from a cash machine in New York, the local bank displayed you'll incur a charge of $2.50, but then wiped an entire balance of £10,000 and claimed it was transaction fees, that neither the UK bank or card issuer would have to do anything about it?

MyRealNameToo

epm-84 said:

Ayr_Rage said:

epm-84 said:

Ayr_Rage said:

Post all the transaction details along with the name of the ATM provider and you might get more information from others who've used the same.

The question was are Chase correct that Mastercard chargebacks can't do anything about incorrect fees?

Look at the Mastercard Ts and Cs

Then if that is the case does it only cover ATM transactions, or would it extend to an unadvertised booking fee being applied to a ticket purchase?

It shouldn't matter what the additional fees are, I was charged them without being informed of them. The fee on the screen said 11%, so that's what it should have been.

It may have been 11% subject to a minimum charge which on a small transaction means a much larger percentage.

If you aren't prepared to tell the whole story then you'll just get speculative comments.

Mastercard are a huge provider. Surely there must be people who have disputed an ATM charge before, so I'm interested to know what responses they have got. If you can't/won't help you don't need to write replies asking for stories. I'm not looking to get a story in the Daily Mail.

And there will be many people who bought something that broke on the 2nd use but Mastercard dont provide a solution for that either. That may be more understandable as whilst in the UK you would have a right maybe in Zimbabwe you dont but the same chargeback rules apply everywhere more or less. 

I had an unauthorised transaction, it was chargeback, but thats a very different story to a dispute on what the fees would be. 

epm-84 said:

born_again said:

Many ATM providers O/S have their own fee's. Just like some in the UK have a separate fee for taking cash.

No dispute rites as it was clearly displayed at the time.

So are you saying that if someone requested, say $10 from a cash machine in New York, the local bank displayed you'll incur a charge of $2.50, but then wiped an entire balance of £10,000 and claimed it was transaction fees, that neither the UK bank or card issuer would have to do anything about it?

It's better to stick to the reality than going into improbable scenarios. 

epm-84

MyRealNameToo said:

epm-84 said:

Ayr_Rage said:

epm-84 said:

Ayr_Rage said:

Post all the transaction details along with the name of the ATM provider and you might get more information from others who've used the same.

The question was are Chase correct that Mastercard chargebacks can't do anything about incorrect fees?

Look at the Mastercard Ts and Cs

Then if that is the case does it only cover ATM transactions, or would it extend to an unadvertised booking fee being applied to a ticket purchase?

It shouldn't matter what the additional fees are, I was charged them without being informed of them. The fee on the screen said 11%, so that's what it should have been.

It may have been 11% subject to a minimum charge which on a small transaction means a much larger percentage.

If you aren't prepared to tell the whole story then you'll just get speculative comments.

Mastercard are a huge provider. Surely there must be people who have disputed an ATM charge before, so I'm interested to know what responses they have got. If you can't/won't help you don't need to write replies asking for stories. I'm not looking to get a story in the Daily Mail.

And there will be many people who bought something that broke on the 2nd use but Mastercard dont provide a solution for that either. That may be more understandable as whilst in the UK you would have a right maybe in Zimbabwe you dont but the same chargeback rules apply everywhere more or less. 

I had an unauthorised transaction, it was chargeback, but thats a very different story to a dispute on what the fees would be. 

epm-84 said:

born_again said:

Many ATM providers O/S have their own fee's. Just like some in the UK have a separate fee for taking cash.

No dispute rites as it was clearly displayed at the time.

So are you saying that if someone requested, say $10 from a cash machine in New York, the local bank displayed you'll incur a charge of $2.50, but then wiped an entire balance of £10,000 and claimed it was transaction fees, that neither the UK bank or card issuer would have to do anything about it?

It's better to stick to the reality than going into improbable scenarios. 

There's a simple question - is it a Mastercard rule that they won't assist with unadvertised charges added onto ATM transactions? Being overcharged is usually seen as something chargeback could help with. 

Note that I've not submitted a chargeback claim and found it rejected, I asked Chase and they said it's ineligible for the chargeback process so they didn't submit it to Mastercard. So at present I've not seen any evidence to support or oppose the decision of one person in the Chase team.

I don't see how the amount or who operates the ATM changes any rules. However, if you could be overcharged by a huge amount for using your card abroad and find neither Chase or Mastercard will help, then the question is it actually safe to use debit cards abroad? MSE promotes them for spending abroad, which would suggest Martin Lewis and the MSE writers/researchers are unaware of any significant risks.

MyRealNameToo

epm-84 said:

MyRealNameToo said:

epm-84 said:

Ayr_Rage said:

epm-84 said:

Ayr_Rage said:

Post all the transaction details along with the name of the ATM provider and you might get more information from others who've used the same.

The question was are Chase correct that Mastercard chargebacks can't do anything about incorrect fees?

Look at the Mastercard Ts and Cs

Then if that is the case does it only cover ATM transactions, or would it extend to an unadvertised booking fee being applied to a ticket purchase?

It shouldn't matter what the additional fees are, I was charged them without being informed of them. The fee on the screen said 11%, so that's what it should have been.

It may have been 11% subject to a minimum charge which on a small transaction means a much larger percentage.

If you aren't prepared to tell the whole story then you'll just get speculative comments.

Mastercard are a huge provider. Surely there must be people who have disputed an ATM charge before, so I'm interested to know what responses they have got. If you can't/won't help you don't need to write replies asking for stories. I'm not looking to get a story in the Daily Mail.

And there will be many people who bought something that broke on the 2nd use but Mastercard dont provide a solution for that either. That may be more understandable as whilst in the UK you would have a right maybe in Zimbabwe you dont but the same chargeback rules apply everywhere more or less. 

I had an unauthorised transaction, it was chargeback, but thats a very different story to a dispute on what the fees would be. 

epm-84 said:

born_again said:

Many ATM providers O/S have their own fee's. Just like some in the UK have a separate fee for taking cash.

No dispute rites as it was clearly displayed at the time.

So are you saying that if someone requested, say $10 from a cash machine in New York, the local bank displayed you'll incur a charge of $2.50, but then wiped an entire balance of £10,000 and claimed it was transaction fees, that neither the UK bank or card issuer would have to do anything about it?

It's better to stick to the reality than going into improbable scenarios. 

There's a simple question - is it a Mastercard rule that they won't assist with unadvertised charges added onto ATM transactions? Being overcharged is usually seen as something chargeback could help with. 

Note that I've not submitted a chargeback claim and found it rejected, I asked Chase and they said it's ineligible for the chargeback process so they didn't submit it to Mastercard. So at present I've not seen any evidence to support or oppose the decision of one person in the Chase team.

I don't see how the amount or who operates the ATM changes any rules. However, if you could be overcharged by a huge amount for using your card abroad and find neither Chase or Mastercard will help, then the question is it actually safe to use debit cards abroad? MSE promotes them for spending abroad, which would suggest Martin Lewis and the MSE writers/researchers are unaware of any significant risks.

It works the other way around... there is a list of all the issues they will deal with. If you arent on the list then it's not covered. 

born_again

epm-84 said:

TadleyBaggie said:

Whether it is 11% or 34%, it is an outrageous fee. When abroad I will only use an ATM that charges a small  fixed fee and then take a large amount. in local currency using my Chase or Starling card and there is no additional fee.

Yeah I didn't agree with the fee but didn't really have another option. The remote retailer I was buying from had a card machine but it wasn't working and they wouldn't accept cash payment in a foreign currency.

So while you did not agree with it you clicked you did on the ATM?

If you did not agree then you should have rejected & gone to another ATM...

Gandalf644

epm-84 said:

I withdrew from an ATM abroad using a Chase Mastercard. The ATM informed me there was a fee of 11%. I proceeded with the transaction and selected the local currency option.

On checking the receipt either the fee was calculated incorrectly or additional unadvertised fees were added, as I was charged fees totalling around 34% of the transaction fee.

I asked Chase about a chargeback for the fees and their response was as the ATM gave you the cash you requested, you can't dispute the fee charged through Mastercard. Is this correct?

I do believe (having once had a similar case of overcharging fees at an ATM in Cyprus), that you have to complain to the bank or other institution owning the ATM overseas. They are the ones both making the charge and passing on their charge to your account.

In my case, the bank in Cyprus response was I must have misread the screen regarding the amount they charged, which they stated was a flat withdrawal fee plus the usual percentage fee, which I did challenge as it did not display all the fees.

In the end the Cypriot Bank simply stated again it was down to my misreading of the charges involved on the screen.  And that was that.

I suppose I could have taken the matter forward with the Cypriot Bank regulator, but without a contemporary photograph of the screen showing the advertised charges involved set against what I was actually charged, what evidence did I have?

In the end I wrote it off as it was only about £10.00 and wouldn’t have been worth the hassle of chasing it up further. 

Ergates

epm-84 said:

MyRealNameToo said:

epm-84 said:

Ayr_Rage said:

epm-84 said:

Ayr_Rage said:

Post all the transaction details along with the name of the ATM provider and you might get more information from others who've used the same.

The question was are Chase correct that Mastercard chargebacks can't do anything about incorrect fees?

Look at the Mastercard Ts and Cs

Then if that is the case does it only cover ATM transactions, or would it extend to an unadvertised booking fee being applied to a ticket purchase?

It shouldn't matter what the additional fees are, I was charged them without being informed of them. The fee on the screen said 11%, so that's what it should have been.

It may have been 11% subject to a minimum charge which on a small transaction means a much larger percentage.

If you aren't prepared to tell the whole story then you'll just get speculative comments.

Mastercard are a huge provider. Surely there must be people who have disputed an ATM charge before, so I'm interested to know what responses they have got. If you can't/won't help you don't need to write replies asking for stories. I'm not looking to get a story in the Daily Mail.

And there will be many people who bought something that broke on the 2nd use but Mastercard dont provide a solution for that either. That may be more understandable as whilst in the UK you would have a right maybe in Zimbabwe you dont but the same chargeback rules apply everywhere more or less. 

I had an unauthorised transaction, it was chargeback, but thats a very different story to a dispute on what the fees would be. 

epm-84 said:

born_again said:

Many ATM providers O/S have their own fee's. Just like some in the UK have a separate fee for taking cash.

No dispute rites as it was clearly displayed at the time.

So are you saying that if someone requested, say $10 from a cash machine in New York, the local bank displayed you'll incur a charge of $2.50, but then wiped an entire balance of £10,000 and claimed it was transaction fees, that neither the UK bank or card issuer would have to do anything about it?

It's better to stick to the reality than going into improbable scenarios. 

There's a simple question - is it a Mastercard rule that they won't assist with unadvertised charges added onto ATM transactions? Being overcharged is usually seen as something chargeback could help with. 

Note that I've not submitted a chargeback claim and found it rejected, I asked Chase and they said it's ineligible for the chargeback process so they didn't submit it to Mastercard. So at present I've not seen any evidence to support or oppose the decision of one person in the Chase team.

I don't see how the amount or who operates the ATM changes any rules. However, if you could be overcharged by a huge amount for using your card abroad and find neither Chase or Mastercard will help, then the question is it actually safe to use debit cards abroad? MSE promotes them for spending abroad, which would suggest Martin Lewis and the MSE writers/researchers are unaware of any significant risks.

That's because calculation of risks is based in reality not in hyperbolic possibilities.   People being over charged £10,000 to use ATMs abroad isn't a thing that happens, so it's not considered a risk.  Based on peoples' experiences of *what actually happens*, debit cards are safe to use abroad.

epm-84

born_again said:

epm-84 said:

TadleyBaggie said:

Whether it is 11% or 34%, it is an outrageous fee. When abroad I will only use an ATM that charges a small  fixed fee and then take a large amount. in local currency using my Chase or Starling card and there is no additional fee.

Yeah I didn't agree with the fee but didn't really have another option. The remote retailer I was buying from had a card machine but it wasn't working and they wouldn't accept cash payment in a foreign currency.

So while you did not agree with it you clicked you did on the ATM?

If you did not agree then you should have rejected & gone to another ATM...

There wasn't another option. Like I said I was in a remote location and it was due to the retailer's card machine not working. Maybe you think I should have phoned a random bank and asked them to come out with a mobile ATM on the back of a van?

You've posted two unconstructive replies now, so maybe it's time to mute you.